The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$57,245
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,026
−HK$1,809/mo
Today · 4.125%
HK$60,835
baseline
▲ 0.50% · 4.625%
HK$64,536
+HK$3,701/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,670/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,684
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,392
−HK$1,733/mo
Today · 4.125%
HK$67,125
baseline
▲ 0.50% · 4.625%
HK$70,663
+HK$3,538/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,250/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,066,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,694
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,831
−HK$2,171/mo
Today · 4.125%
HK$73,002
baseline
▲ 0.50% · 4.625%
HK$77,444
+HK$4,442/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$146,004/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,421
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,471
−HK$2,079/mo
Today · 4.125%
HK$80,550
baseline
▲ 0.50% · 4.625%
HK$84,796
+HK$4,246/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,100/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,066,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,143
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$82,636
−HK$2,533/mo
Today · 4.125%
HK$85,169
baseline
▲ 0.50% · 4.625%
HK$90,351
+HK$5,182/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,338/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,158
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,549
−HK$2,426/mo
Today · 4.125%
HK$93,975
baseline
▲ 0.50% · 4.625%
HK$98,929
+HK$4,954/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,950/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,066,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,041
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$106,246
−HK$3,256/mo
Today · 4.125%
HK$109,502
baseline
▲ 0.50% · 4.625%
HK$116,165
+HK$6,663/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$219,004/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,632
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$117,706
−HK$3,119/mo
Today · 4.125%
HK$120,825
baseline
▲ 0.50% · 4.625%
HK$127,194
+HK$6,369/mo
Deposit HK$2.51M · loan HK$22.59M · min. income ≈ HK$241,650/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,066,946 · Scale 2, in force from 26 Feb 2026)